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本帖最后由 每天一点 于 2009-5-11 10:33 编辑 5 c. a! i& }9 }. Z) R1 h0 H
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我感觉一点都不划算,现在你还剩37.8,加上1.4,就是39.2
8 W: t! ~& U. y/ b0 J即使按照3.35%,按照转过去之后35年贷款计,你3年之后37.33,也就是说,你总共就还了37.8-37.33=0.47w,也就是4700块本金。也就是还了3个月本金,其他33个月都在还利息和罚金。
" L$ ^% k# n5 _8 i' y( X$ B7 q可能相比来说,还是不折腾得时候剩的本金要少。1 Z; T( @$ Y ]. w7 a
具体情况见下表
$ y* I* P) m1 t/ E9 ?1 01/10/2008 $392,000.00 $1,586.22 $491.88 $1,094.33 $391,508.12 , u e7 ^2 j( E1 `, D0 ]5 \8 B
2 01/11/2008 $391,508.12 $1,586.22 $493.26 $1,092.96 $391,014.86
, \+ q2 |4 q* x5 ~3 01/12/2008 $391,014.86 $1,586.22 $494.63 $1,091.58 $390,520.23
% x( W: o3 ~6 v$ I8 Q4 01/01/2009 $390,520.23 $1,586.22 $496.01 $1,090.20 $390,024.22 ) Z) I9 O" K8 J+ \' m
5 01/02/2009 $390,024.22 $1,586.22 $497.40 $1,088.82 $389,526.82
5 v( J- `" }+ p* g6 01/03/2009 $389,526.82 $1,586.22 $498.79 $1,087.43 $389,028.03 2 ~) ^1 ]: d" C. E1 Q
7 01/04/2009 $389,028.03 $1,586.22 $500.18 $1,086.04 $388,527.85
$ P! \: o( D' G" ?7 r8 01/05/2009 $388,527.85 $1,586.22 $501.58 $1,084.64 $388,026.27 / M* W" s$ u3 o- [7 s
9 01/06/2009 $388,026.27 $1,586.22 $502.98 $1,083.24 $387,523.30
* m+ _3 j) E0 S10 01/07/2009 $387,523.30 $1,586.22 $504.38 $1,081.84 $387,018.92 . ^+ H" o8 Q! `! E, b5 w
11 01/08/2009 $387,018.92 $1,586.22 $505.79 $1,080.43 $386,513.13
y/ G" _4 s3 A! A2 h6 `12 01/09/2009 $386,513.13 $1,586.22 $507.20 $1,079.02 $386,005.93
- o8 ?. w) B# G: O, _! e13 01/10/2009 $386,005.93 $1,586.22 $508.62 $1,077.60 $385,497.31 $ R* l; U8 Q! g9 X
14 01/11/2009 $385,497.31 $1,586.22 $510.04 $1,076.18 $384,987.28
: }3 z; Y+ W- G15 01/12/2009 $384,987.28 $1,586.22 $511.46 $1,074.76 $384,475.82
2 a ?9 d1 i0 J; A16 01/01/2010 $384,475.82 $1,586.22 $512.89 $1,073.33 $383,962.93
# y/ s5 D8 }# v- K7 C% V X3 Z17 01/02/2010 $383,962.93 $1,586.22 $514.32 $1,071.90 $383,448.61 1 k, d( l) F/ f T! o- @
18 01/03/2010 $383,448.61 $1,586.22 $515.76 $1,070.46 $382,932.86
" ?+ o) q* f k0 N19 01/04/2010 $382,932.86 $1,586.22 $517.20 $1,069.02 $382,415.66 - s: I" o/ i- p1 Y5 r
20 01/05/2010 $382,415.66 $1,586.22 $518.64 $1,067.58 $381,897.02 6 H' n) s2 o5 q6 i2 N0 f8 Q9 F
21 01/06/2010 $381,897.02 $1,586.22 $520.09 $1,066.13 $381,376.94
$ x: N! u" L; p+ B5 |" s( x22 01/07/2010 $381,376.94 $1,586.22 $521.54 $1,064.68 $380,855.40 # q9 J* u8 j. ?4 j# C' h7 j. t
23 01/08/2010 $380,855.40 $1,586.22 $522.99 $1,063.22 $380,332.40
- `* ]. f* G: P3 D* f& T M* Y s9 H5 |24 01/09/2010 $380,332.40 $1,586.22 $524.45 $1,061.76 $379,807.95
& E. }# v6 D4 E$ B9 O" i: q25 01/10/2010 $379,807.95 $1,586.22 $525.92 $1,060.30 $379,282.03
1 d1 |; }' p* X( g l' e26 01/11/2010 $379,282.03 $1,586.22 $527.39 $1,058.83 $378,754.64 + f2 L& f6 {: i1 R- D0 g
27 01/12/2010 $378,754.64 $1,586.22 $528.86 $1,057.36 $378,225.78 + } x7 w+ E! _) B1 ^
28 01/01/2011 $378,225.78 $1,586.22 $530.34 $1,055.88 $377,695.45
0 h! X( k7 J6 S1 P0 @& R. k, V/ }, ~3 j% ]29 01/02/2011 $377,695.45 $1,586.22 $531.82 $1,054.40 $377,163.63
3 a& r! e& `$ E/ X- d: P2 ?30 01/03/2011 $377,163.63 $1,586.22 $533.30 $1,052.92 $376,630.33
; U8 R7 L' x- O( u# b$ E: w* c31 01/04/2011 $376,630.33 $1,586.22 $534.79 $1,051.43 $376,095.54 ) e# E, O$ B- Z4 F
32 01/05/2011 $376,095.54 $1,586.22 $536.28 $1,049.93 $375,559.26
: h! R5 F' E9 i, ~0 s6 R# C! h33 01/06/2011 $375,559.26 $1,586.22 $537.78 $1,048.44 $375,021.48
3 Y& q: k# @; c1 C3 {34 01/07/2011 $375,021.48 $1,586.22 $539.28 $1,046.93 $374,482.20 8 o1 Q% s+ |' Y
35 01/08/2011 $374,482.20 $1,586.22 $540.79 $1,045.43 $373,941.41 % [+ ^! f$ U: D. z" A0 x
36 01/09/2011 $373,941.41 $1,586.22 $542.30 $1,043.92 $373,399.11 |
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